Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$517,565Cash toward the purchase price.
Closing costs + prepaids$15,835Not just lender fees.
Before credits & paid funds$533,401The complete starting cash picture.
Estimated remaining funds due at closing
$533,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$517,565.36
Your down payment$517,565.36
Closing costs + prepaids$15,835.29
Total buyer cash needed$533,400.64
Remaining funds due$533,400.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,037.17
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$789.25
Prepaid interest, first (31 days)$540.86
Fees + prepaids$15,835.29
Your down payment is the seller’s equity. You take over the $207,435 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $533,400.64 is due at closing. Uses and sources reconcile at $740,835.29 each. Not a Closing Disclosure.